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Georgia
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Guarantee Trust Life

Guarantee Trust Life Medicare Supplement Plans, Georgia

by David Bynon, last updated October 1, 2023

On this page we help consumers learn more about Medicare Supplements sold by Guarantee Trust Life in the state of Georgia. Call 1-855-728-0510 (TTY 711) for plan assistance.
Guarantee Trust Life Medigap Plans in Georgia

This page contains editorial content that is not endorsed or approved by Guarantee Trust Life Insurance Company[2]. This is not a solicitation of insurance.


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MedicareWire Rating:
☆☆☆☆☆
A.M. Best Rating:B++
A.M. Best Outlook:Stable
S&P Rating:n/a
Established:1984
NAIC Number:64211
Policy Fee:$25.00

What Medicare Supplements does Guarantee Trust Life Offer in Georgia?

Guarantee Trust Life Insurance Company sells 4 Medicare supplements in Georgia. Each lettered plan pays Medicare benefits differently (see comparison chart or check out our review). Here they are at a glance:

Plans Offered by Guarantee Trust Life

Plan TypePremium[3]Rating TypeEffective
Medigap Plan A$106.34Issue AgeGet a Quote
Medigap Plan F$148.14Issue AgeGet a Quote
Medigap Plan G$116.89Issue AgeGet a Quote
Medigap Plan N$97.72Issue AgeGet a Quote

Issue-Age Rated Medigap Plans: With an Issue Age rated plan your monthly premium is based on your age you're first issued coverage. For instance, if your get your policy at age 65 and your premium is $125, it may remain the same rate until age 72. However, you're age 72 when you enroll, your premium might start at $170, but would not increase based on by your age. Premiums will increase with inflation.

Call 1-855-728-0510 (TTY 711) for plan assistance.

If you qualify for Medicare and don't know where to start, MedicareEnrollment.com, an independent HealthCompare insurance broker, has licensed agents who can help you with your Medicare enrollment options.

The table below outlines the coverage of each Guarantee Trust Life Medicare Supplement:

Medigap Plan Benefits

BenefitsAFGN
Part A DeductibleNoYesYesYes
Part A CoinsuranceYesYesYesYes
SNF CoinsuranceNoYesYesYes
Part B DeductibleNoYesNoNo
Part B CoinsuranceYesYesYesYes
Excess ChargesNoYesYesNo
Foriegn TravelNo80%80%80%
Out-of-Pocket LimitsNoNoNoNo

REVIEW: Guarantee Trust Life Medicare Supplements in Georgia

Guarantee Trust Life scored 3.5 out of 5.0 based on our scoring method. With a top 10 Plan F premium, more than 10 years in the Medicare Supplements business, and a strong financial rating from A.M. Best, we have confidence in Guarantee Trust Life. These are just a few reasons we recommend this carrier to seniors in Georgia. See the top 10 competition.

Here are the pros and cons from our analysis:

Pros

  • Competitive Plan F premium.
  • Good financial strength.
  • Over 25 years in the Medicare Supplements business.

Cons

  • Does not offer Medicare SELECT plans.
  • Does not offer the 5 most popular plans.
  • Charges a fee to write the policy.

About This Review

We reviewed Guarantee Trust Life's Medicare supplement plan offering in Georgia versus all other insurance carriers in the state. Our review is unbiased. We use a formula that looks at years in business, A.M. Best financial strength rating, plans serviced, plan premiums and fees. We do not take into account rate increase history. Our goal is to present information accurately and without bias, based on our interpretation of factual information about each carrier.

Competition vs. Guarantee Trust Life Plan F

Medicare Supplement F is the most popular plan sold in Georgia. The following table shows how Guarantee Trust Life stacks up with the competition.

Compare Plan F Base Rates

CarrierPremium[3]FeeReview[4]
Guarantee Trust Life$148.14$25.00
☆☆☆☆☆
Western United Life$138.75$25.00
☆☆☆☆☆
State Mutual Insurance$139.41$25.00
☆☆☆☆☆
Unified Life$145.16None
☆☆☆☆☆
Liberty Bankers Life$147.53$25.00
☆☆☆☆☆
United Commercial Travelers$147.61None
☆☆☆☆☆
S.USA Life Insurance$149.76$25.00
☆☆☆☆☆
Puritan Life$150.84$25.00
☆☆☆☆☆
Everest$153.52$25.00
☆☆☆☆☆
Bankers Fidelity Assurance$154.17$25.00
☆☆☆☆☆
MassMutual$154.70None
☆☆☆☆☆

Contact Guarantee Trust Life Medigap Sales

For more information about this Medicare Supplement carrier, and other plans on this site, call 1-855-728-0510 (TTY 711). You may also start your Medicare Supplement enrollment online. You can contact the plan directly at:

Sales:800-338-7452
Website:https://www.gtlic.com/supplemental-health/medicare-supplement-insurance/
Address:1275 Milwaukee Avenue, Glenview, IL 60025

For assistance 24 hours a day, call 800-633-4227. TTY users should call 877-486-2048 or visit www.medicare.gov. If you qualify for Medicare but have not yet enrolled or verified your enrollment status, you can do so on the Social Security Administration website.

Eligibility

Guarantee Trust Life Medigap plans are available to all Georgia Medicare beneficiaries, ages 65 and older, who have enrolled in Medicare Part A and Medicare Part B.

If you are just turning age 65, you have guaranteed issue rights and cannot be turned down by Guarantee Trust Life. Once issued, your Medicare Supplement policy can't be canceled. And, it will automatically renew for as long as you continue to pay the premiums and make no material misrepresentations.

Before choosing a Medicare Supplement carrier, be sure to get the Guarantee Trust Life Medigap rate increase history in Georgia. The lowest rate now may not be the lowest rate in the future.

Availability

Guarantee Trust Life services Medicare supplement insurance in Atlanta, Roswell, Augusta, Columbus, Savannah, Macon, Albany, Johns Creek, Warner Robins, Alpharetta, Marietta, Valdosta, Smyrna, and most other Georgia cities.

Related Medicare Supplement Insurance Topics

  • Do I really Need Supplemental Insurance with Medicare??
  • Is Medicare Plan G Better Than Plan F?
  • What is the Average Cost of Supplemental Insurance for Seniors?

On this page our goal is to help consumers: Compare Guarantee Trust Life Medigap plans in Georgia with the best Medicare supplements available. Read our review. Get a free quote. Did we succeed?

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[1]Affiliate and Sales Agent Disclosure

Many of the plans featured on MedicareWire are offered through our trusted partner, HealthCompare Insurance Services, Inc., a licensed sales agency. HealthCompare may compensate us if you enroll in a plan through their services. Online enrollment services are provided by MedicareEnrollment.com, a HealthCompare affiliate.

Compensation does not influence our content, which is based on independent research. MedicareWire’s plan page content are reviewed annually for CMS compliance by licensed compliance officers from UnitedHealthcare, Humana, and Aetna. Read our full sales agent disclosure and how we make money.

[2] Trademark Notice

MedicareWire uses legal U.S. trademarks to identify and describe Medicare and other insurance products for shoppers. See our full trademark use disclosure.

[3]About the Author

David Bynon is a Medicare analyst, published author, and U.S. Navy veteran with over 40 years of experience in cryptology, cybersecurity, and healthcare systems. Since founding MedicareWire in 2012, he has provided unbiased, data-driven Medicare plan research to assist seniors in making informed decisions.

Previously, David served as Vice President of Global Systems at Sony Pictures Entertainment and Director of Systems and Networks at HealthNet, focusing on secure HMO and Medicare infrastructures. His military career includes serving as Command Chief at TACRON-11, earning multiple Navy Commendation Medals and other commendations.

Connect with David on LinkedIn or view his Amazon Author Profile. His latest book, Why Medicare Advantage Plans Are Bad, is available on Amazon.

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